Car Insurance KSA: Best Add-Ons Worth the Extra Cost

Discover the best car insurance add-ons in Saudi Arabia worth the extra cost. Learn how to enhance your car insurance company policy with valuable coverage options.

Jun 29, 2025 - 13:40
 1
Car Insurance KSA: Best Add-Ons Worth the Extra Cost

In Saudi Arabia, car insurance is mandatory. A reliable car insurance company in Saudi Arabia can protect you from financial risks. Basic policies like Third-Party Liability (TPL) are required, but add-ons can enhance your coverage. This guide explores the most valuable car insurance add-ons in KSA, helping you decide which ones are worth the extra cost. We’ll keep it simple, actionable, and focused on your needs.

Why Consider Car Insurance Add-Ons in Saudi Arabia?

Car insurance add-ons provide extra protection beyond standard policies. They cover specific risks like roadside breakdowns or theft. In KSA, where traffic accidents are common, add-ons can save you money and stress. Choosing the right add-ons from a trusted car insurance company ensures you’re fully protected. Let’s dive into the top add-ons worth considering.

1. Roadside Assistance: A Must-Have for KSA Drivers

Roadside assistance is a popular add-on. It covers emergencies like flat tires, dead batteries, or running out of fuel. In Saudi Arabia, long desert roads and extreme heat make this add-on essential. For as little as 7 SAR per month, you can get towing, emergency fuel, or battery charging. This add-on is ideal if you drive long distances or in remote areas.

Why it’s worth it: Peace of mind during breakdowns. It saves you from costly towing fees or being stranded.

Who needs it? Frequent travelers, drivers in rural areas, or anyone with an older vehicle.

2. Comprehensive Coverage for Full Protection

Unlike TPL, comprehensive car insurance covers both your vehicle and third-party damages. It includes accidents, theft, fire, and natural disasters. In KSA, comprehensive policies start at around 2,500 SAR annually. This add-on is perfect for expensive cars or drivers in high-risk areas.

Why it’s worth it: It protects your car from a wide range of risks, not just third-party claims.

Who needs it? Owners of new or high-value cars, or drivers in busy cities like Riyadh or Jeddah.

3. No-Claim Bonus (NCB) Protection

A No-Claim Bonus (NCB) rewards you for not filing claims. In KSA, you can get up to 50% off your premium after three claim-free years. NCB protection ensures you keep this discount even if you file a claim. This add-on is offered by many car insurance companies in Saudi Arabia.

Why it’s worth it: It preserves your discount, saving you money on future premiums.

Who needs it? Safe drivers who want to maintain their NCB despite minor claims.

4. Windscreen Coverage for Chips and Cracks

Windscreen damage is common in KSA due to sandstorms and road debris. Windscreen coverage, starting at 27 SAR per month, pays for repairs or replacements. Some comprehensive policies include this, so check before adding it.

Why it’s worth it: It avoids costly out-of-pocket repairs, which can exceed 1,000 SAR.

Who needs it? Drivers in dusty or high-traffic areas prone to windscreen damage.

5. Personal Accident Cover for You and Passengers

Personal accident cover pays out if you or your passengers are injured or killed in an accident. In KSA, it can offer up to 15 lakh SAR in coverage. This add-on is vital for families or frequent carpoolers.

Why it’s worth it: It provides financial security for medical bills or compensation.

Who needs it? Drivers with families, taxis, or those who often carry passengers.

6. GCC Geographical Expansion

If you travel outside KSA, like to UAE or Bahrain, GCC coverage is a smart add-on. Starting at 20 SAR per month, it extends your insurance across GCC countries. This is ideal for cross-border commuters or vacationers.

Why it’s worth it: It ensures your policy works abroad, avoiding foreign insurance costs.

Who needs it? Drivers who frequently cross Saudi borders.

7. Rental Car Allowance

Rental car allowance provides a temporary vehicle if yours is being repaired. In KSA, this add-on offers up to 100 SAR per day for 20 days. It keeps you mobile during repairs.

Why it’s worth it: It minimizes disruption if your car is off the road.

Who needs it? Daily commuters or professionals who rely on their car.

How to Choose the Right Add-Ons for Your Car Insurance

Not all add-ons are necessary. Here’s how to pick the best ones from a car insurance company in KSA:

  • Assess your driving habits: Do you drive long distances? Add roadside assistance. Travel abroad? Get GCC coverage.
  • Check your car’s value: High-value cars benefit from comprehensive coverage.
  • Review your budget: Add-ons increase premiums, so prioritize those that match your risks.
  • Compare policies: Use platforms like Tameeni or Gonsure to compare add-ons and prices.

Always read the policy terms. Some add-ons may already be included in comprehensive plans.

Why Add-Ons Are Worth the Extra Cost in KSA

In Saudi Arabia, traffic accidents are rising, with over 2.2 million reported in recent years. Spare parts and repair costs are also increasing. Add-ons can save you from high out-of-pocket expenses. For example, a windscreen replacement or towing could cost hundreds of SAR without coverage.

By choosing add-ons wisely, you get tailored protection. A good car insurance company will offer flexible options to suit your needs.

Common Questions About Car Insurance Add-Ons in KSA

Here are answers to popular questions about add-ons:

Are add-ons available with TPL insurance? No, add-ons are typically only available with comprehensive or standalone own-damage policies. TPL only covers third-party damages.

How much do add-ons cost? Costs vary. Roadside assistance starts at 7 SAR/month, while comprehensive coverage can be 2,500 SAR/year. Check with your insurer for exact prices.

Can I cancel an add-on? Yes, most car insurance companies allow you to cancel add-ons mid-policy. You may get a prorated refund.

Do add-ons increase my premium? Yes, but the extra protection often outweighs the cost if you face a claim.

Tips to Save on Car Insurance Add-Ons in KSA

Want to keep costs low? Try these tips:

  • Shop around: Compare quotes from companies like Al-Tawuniya, ASEIG, or Gulf Union using platforms like Tameeni.
  • Bundle add-ons: Some insurers offer discounts when you combine multiple add-ons.
  • Maintain a clean record: A good driving history can earn you discounts up to 50%.
  • Choose a higher deductible: Paying a higher deductible lowers your premium.

Conclusion: Invest in the Right Add-Ons

Car insurance add-ons in KSA can make a big difference. They protect you from unexpected costs and keep you safe on the road. From roadside assistance to comprehensive coverage, choose add-ons that match your driving needs. Work with a trusted vehicle insurance company in Saudi Arabia to customize your policy. Compare options online, review your coverage, and drive with confidence.

Ready to enhance your car insurance? Visit platforms like Tameeni or Gonsure to compare quotes and find the best add-ons for you. Stay protected and save money today!

seo.travishead Digital Marketing Expert - Saudi Arabia